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Thread: Lowell Financial non compliance of CCA

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  1. #26
    Torquemadder's Avatar

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    Default Re: Lowell Financial non compliance of CCA

    I realise that the abbreviated terms on this are illegible but it's not due to my scanner. That's just how it is on the photocopy

  2. #27
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    Default Re: Lowell Financial non compliance of CCA

    Quote Originally Posted by Torquemadder View Post
    I realise that the abbreviated terms on this are illegible but it's not due to my scanner. That's just how it is on the photocopy
    I can't read them even zooming in. :mmph:

    I assume there's more than that...

  3. #28
    Torquemadder's Avatar

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    Default Re: Lowell Financial non compliance of CCA

    They sent a copy of the original terms and conditions as existed when I signed the agreement as well as a legible copy of Cap One's current T&Cs. I just found the copy of the original among the statements. scanning now

  4. #29
    Torquemadder's Avatar

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    Default Re: Lowell Financial non compliance of CCA

    [IMG][/IMG]

    - - - Updated - - -

    This one is legible but not with the naked eye. I had to scan it and zoom in to read it

  5. #30
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    Default Re: Lowell Financial non compliance of CCA

    that one is a later T&Cs as £12.00 late payment charges

  6. #31
    Torquemadder's Avatar

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    Default Re: Lowell Financial non compliance of CCA

    Wow! Well spotted, Mike. I wouldn't have known that and obviously they are relying on that. So they are passing off a photocopy of someone elses later agreement T&C as mine. Would you know what date those T&Cs came into effect?

  7. #32
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    Default Re: Lowell Financial non compliance of CCA

    There is usually number etc in small print on the side of it, what they are doing is sending T&Cs issued after the initial ones which is required, but the main one is the ones at the time of taking agreement out

    ,(mid 2005 if I remember correctly.)

    One they sent me a few years ago suppose to be original, only original was a certain date I took out card with Cap one years before, but there again £12.00 late payment charges, so I let them stew in it!

  8. #33
    Torquemadder's Avatar

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    Default Re: Lowell Financial non compliance of CCA

    I'm thinking that I should do the same, Mike. Wait until the next demand and then point out that the T&Cs on the agreement are illegible and the expanded T&Cs that they have supplied as a true copy of the rear of the agreement are provable as not from my agreement.

    Surely they are breaking regulations or law by doing that?

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